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健康保险无论是作为社会保险的一部分,还是作为商业保险的一个险种,都是起步较晚但却是发展得最快的项目之一。随着社会经济的发展,人类自身的价值日益受到重视,同时也由于医疗费用的飞涨,人们对健康保险的需求日益增加。作为一项几乎是人人都必须的健康保险需求,并不是由某一个保险组织或保险计划能够满足的,同时,由于人们对健康保险需求的多样性,保险机构提供的健康保险服务也决不限于单一品种。因而,在各发达国家,提供健康保险服务的组织也是多层次、多类型的。
Health insurance, either as part of social insurance or as a commercial insurance coverage, is one of the late-start but fastest growing projects. With the development of society and economy, the value of mankind itself has been paid more and more attention. At the same time, due to the soaring medical costs, the demand for health insurance is increasing. As a health insurance needs almost everyone must not be able to meet by one insurance organization or insurance plan at the same time, due to the diversity of people’s health insurance needs, health insurance services provided by insurance agencies by no means Limited to a single breed. Therefore, organizations in various developed countries that provide health insurance services are also multi-level and multi-type.